analysis of product & services of hdfc bank ltd

8/10/2019 Analysis of Product & Services of HDFC BANK LTD.

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RESEARCH Project Report

On

Analysis of Product & Services of

HDFC BANK LTD.

SUBMITTED towards the fulfillment of the award of

Post graduate diploma in management to the greater Noida institute of management greater Noida (u.p)Approved by AICTE,NEW DELHI

2011-2012

Under the guidn!e o"#r$ % % &rg

'ub(itted by Annd r)

*o++ no 10200

&nit !o++ege o" #nge(ent1%NWLED&E .A*%, .HA'EII, &*EATE* NIDA

CERTIFICATE



This is to certify that

r.!s""""""""""""""""""""""" is a student of

P#D $ro%rae' of this institute has

under%one (esearch Pro)ect at

""""""""""""""""""""""""" and co$leted

his!her (esearch Pro)ect (e$ort on

*"""""""""""""""""""""""""""""""""+ as $er the

re,uireent of P#D curriculu .

(Supervisor)

2



AC%NWLED&E#ENT

I express my gratitude towards, Mr Shruti Agrawal ,who gave me opportunity to complete

my Research Project. I am also thankul to him or providing me his a!le guidance,

valua!le suggestions and or sharing his experiences with me without which this project

may not have !een successul.I would like to thank the sta o "#$% &ank who provided me with the data and valua!le

suggestions to successully complete my project.

ANAND *A/

'



TABLE OF CONTENTS

TOPICS 1. Introduction to the topic.

2. (verview.

3. A!out the %ompany

4. Research )ethodology

5. Product Range

6. Savings Account

7. %urrent Account

8. $ixed #eposit

9. *oans

10. %redit %ards

11. Private &anking

12. +Age &anking

13. #e!it %ard

14. -alue Added Services

15. $indings

16. Recommendation and Suggestion

17. %onclusion

18. &i!liography



OBJECTIVE

/. 0he o!jective o the study is to get the knowledge o products and services

oered !y the "#$% &A1 in the ields o !anking.

2. 0o get the knowledge o !eneits 3 eatures o products and services o

"#+% &A1.

'. Analy4ing the ields in which the !ank can improve its perormance.

. "ow the !ank is using the latest technological advancements in !anking

industry to its advantage.

5



%()PA16 PR($I*+

About - HDC n Li(ited, Indi

0he "ousing #evelopment $inance %orporation *imited 7"#$%8 was amongst the

irst to receive an 9inprinciple9 approval rom the Reserve &ank o India 7R&I8 to

set up a !ank in the private sector, as part o the R&I9s li!erali4ation o the Indian

&anking Industry in /::. 0he !ank was incorporated in August /:: in the name o

9"#$% &ank *imited9, with its registered oice in )um!ai, India. "#$% &ank

commenced operations as a Scheduled %ommercial &ank in ;anuary /::5.

Capital Structure

0he authorised capital o "#$% &ank is Rs.5< crore 7Rs.5 !illion8. 0he paidup capital

is Rs.2=2 crore 7Rs.2=.2 !illion8. 0he "#$% >roup holds 2.2? o the !ank9s e@uity while

a!out /'./? o the e@uity is held !y the depository in respect o the !ank9s issue o

American #epository Shares 7A#SA#R Issue8. 0he Indian Private +@uity $und,

)auritius 7IP+$8 and Indocean $inancial "oldings *td., )auritius 7I$"*8 7!oth unds

advised !y ; P )organ Partners, ormerly %hase %apital Partners8 together hold a!out

5.5? o the !ank9s e@uity. Roughly 2B.5? o the e@uity is held !y $IIs, 1RIs(%&s while

the !alance is widely held !y a!out 2/,<<< shareholders. 0he shares are listed on 0he

Stock +xchange, )um!ai and the 1ational Stock +xchange. 0he !ank9s American

#epository Shares are listed on the 1ew 6ork Stock +xchange 716S+8 under the sym!ol

C"#&C.

Promoter

"#$% is India9s premier housing inance company and enjoys an impecca!le track record

D



in India as well as in international markets. Since its inception in /:BB, the %orporation has

maintained a consistent and healthy growth in its operations to remain a market leader in

mortgages. Its outstanding loan portolio covers well over a million dwelling units. "#$%

has developed signiicant expertise in retail mortgage loans to dierent market segments

and also has a large corporate client !ase or its housing related credit acilities. Eith its

experience in the inancial markets, a strong market reputation, large shareholder !ase and

uni@ue consumer ranchise, "#$% was ideally positioned to promote a !ank in the Indian

environment.

Capital Structure

0he authorised capital o "#$% &ank is Rs.5< crore 7Rs.5 !illion8. 0he paidup capital

is Rs.2=2 crore 7Rs.2=.2 !illion8. 0he "#$% >roup holds 2.2? o the !ank9s e@uity while

a!out /'./? o the e@uity is held !y the depository in respect o the !ank9s issue o

American #epository Shares 7A#SA#R Issue8. 0he Indian Private +@uity $und,

)auritius 7IP+$8 and Indocean $inancial "oldings *td., )auritius 7I$"*8 7!oth unds

advised !y ; P )organ Partners, ormerly %hase %apital Partners8 together hold a!out

5.5? o the !ank9s e@uity. Roughly 2B.5? o the e@uity is held !y $IIs, 1RIs(%&s while

the !alance is widely held !y a!out 2/,<<< shareholders. 0he shares are listed on 0he

Stock +xchange, )um!ai and the 1ational Stock +xchange. 0he !ank9s American

#epository Shares are listed on the 1ew 6ork Stock +xchange 716S+8 under the sym!ol

C"#&C.

B



Business Focus

"#$% &ank9s mission is to !e a Eorld%lass Indian &ank. 0he &ank9s aim is to !uild

sound customer ranchises across distinct !usinesses so as to !e the preerred provider o

!anking services in the segments that the !ank operates in and to achieve healthy growth in

proita!ility, consistent with the !ank9s risk appetite. 0he !ank is committed to maintain the

highest level o ethical standards, proessional integrity and regulatory compliance. "#$%

&ank9s !usiness philosophy is !ased on our core valuesF (perational +xcellence,

%ustomer $ocus, Product *eadership and People.

TimesBank Amalgamation

In a milestone transaction in the Indian !anking industry, 0imes&ank *imited 7another new

private sector !ank promoted !y &ennett, %oleman 3 %o.0imes >roup8 was merged with

"#$% &ank *td., eective $e!ruary 2D, 2<<<. As per the scheme o amalgamation

approved !y the shareholders o !oth !anks and the Reserve &ank o India, shareholders o

0imes&ank received / share o "#$% &ank or every 5.B5 shares o 0imes&ank. 0he

amalgamation added signiicant value to "#$% &ank in terms o increased !ranch

network, expanded geographic reach, enhanced customer !ase, skilled manpower and the

opportunity to crosssell and leverage alternative delivery channels.

istri!ution Net"ork #

=



"#$% &ank is head@uartered in )um!ai. 0he &ank at present has an envia!le network o

over B55 !ranches spread over 2:B cities across the country. All !ranches are linked on on

online realtime !asis. %ustomers in :< locations are also serviced through Phone&anking.

0he &ank9s expansion plans take into account the need to have a presence in all major

industrial and commercial centres where its corporate customers are located as well as the

need to !uild a strong retail customer !ase or !oth deposits and loan products. &eing a

clearingsettlement !ank to various leading stock exchanges, the &ank has !ranches in the

centres where the 1S+&S+ have a strong and active mem!er !ase.

0he &ank also has a network o over $%&' networked A0)s across these cities. )oreover,

"#$% &ank9s A0) network can !e accessed !y all domestic and international

-isa)aster%ard, -isa +lectron)aestro, Plus%irrus and American +xpress %redit%harge

cardholders.

#nge(ent

)r. ;agdish %apoor took over as the !ank9s %hairman in ;uly 2<</. Prior to this, )r.

%apoor was a #eputy >overnor o the Reserve &ank o India.

0he )anaging #irector, )r. Aditya Puri, has !een a proessional !anker or over 25 years,

and !eore joining "#$% &ank in /:: was heading %iti!ank9s operations in )alaysia.

0he &ank9s &oard o #irectors is composed o eminent individuals with a wealth o

experience in pu!lic policy, administration, industry and commercial !anking. Senior

executives representing "#$% are also on the &oard.Senior !anking proessionals with

su!stantial experience in India and a!road head various !usinesses and unctions.

:



Te!hno+ogy

"#$% &ank operates in a highly automated environment in terms o inormation

technology and communication systems. All the !ank9s !ranches have connectivity which

ena!les the !ank to oer speedy unds transer acilities to its customers. )ulti!ranch

access is also provided to retail customers through the !ranch network and Automated

0eller )achines 7A0)s8.

0he &ank has made su!stantial eorts and investments in ac@uiring the !est technology

availa!le internationally to !uild the inrastructure or a worldclass !ank. In terms o

sotware, the %orporate &anking !usiness is supported !y $lexcu!e, while the Retail

&anking !usiness !y $inware, !oth rom ilex Solutions *td. 0he systems are open,

scalea!le and we!ena!led.

0he &ank has prioritised its engagement in technology and the internet as one o its key

goals and has already made signiicant progress in we!ena!ling its core !usinesses. In

each o its !usinesses, the &ank has succeeded in leveraging its market position, expertise

and technology to create a competitive advantage and !uild market share.

u3ine33 .ro"i+e

"#$% &ank caters to a wide range o !anking services covering !oth commercial and

investment !anking on the wholesale side and transactional !ranch !anking on the retail

/<



side. 0he !ank has three key !usiness areas F

4 Who+e3+e ning 'ervi!e3

0he &ank9s target market is primarily large, !luechip manuacturing companies in the

Indian corporate sector and to a lesser extent, emerging midsi4ed corporates. $or these

corporates, the &ank provides a wide range o commercial and transactional !anking

services, including working capital inance, trade services, transactional services, cash

management, etc. 0he !ank is also a leading provider o structured solutions which

com!ine cash management services with vendor and distri!utor inance or acilitating

superior supply chain management or its corporate customers. &ased on its superior

product delivery service levels and strong customer orientation, the &ank has made

signiicant inroads into the !anking consortia o a num!er o leading Indian corporates

including multinationals, companies rom the domestic !usiness houses and prime Pu!lic

Sector companies. It is recognised as a leading provider o cash management and

transactional !anking solutions to corporate customers, mutual unds, stock exchange

mem!ers and !anks.

b4 *eti+ ning 'ervi!e3

0he o!jective o the Retail &ank is to provide its target market customers a ull range o

inancial products and !anking services, giving the customer a onestop window or all

hisher !anking re@uirements. 0he products are !acked !y worldclass service and

delivered to the customers through the growing !ranch network, as well as through

alternative delivery channels like A0)s, Phone&anking, 1et&anking and )o!ile&anking.

//



0he "#$% &ank preerred program or high net worth individuals, the "#$% &ank Plus

and the Investment Advisory Services programs have !een designed keeping in mind needs

o customers who seek distinct inancial solutions, inormation and advice on various

investment avenues. 0he &ank also has a wide array o retail loan products including Auto

*oans, *oans against marketa!le securities, Personal *oans and *oans or 0wowheelers.

It is also a leading provider o #epository Services to retail customers, oering customers

the acility to hold their investments in electronic orm.

"#$% &ank was the irst !ank in India to launch an International #e!it %ard in association

with -ISA 7-ISA +lectron8 and issues the )astercard )aestro de!it card as well. 0he

de!it card allows the user to directly de!it his account at the point o purchase at a

merchant esta!lishment, in India and overseas. 0he &ank launched its credit card in

association with -ISA in 1ovem!er 2<</. 0he &ank is also one o the leading players in

the Cmerchant ac@uiringC !usiness with over 25,<<< PointoSale 7P(S8 terminals or

de!it credit cards acceptance at merchant esta!lishments. 0he &ank is well positioned as

a leader in various net!ased &2% opportunities including a wide range o internet !anking

services or $ixed #eposits, *oans, &ill Payments, etc.

!4 Tre3ury pertion3

Eithin this !usiness, the !ank has three main product areas $oreign +xchange and

#erivatives, *ocal %urrency )oney )arket 3 #e!t Securities, and +@uities. Eith the

li!eralisation o the inancial markets in India, corporates need more sophisticated risk

management inormation, advice and product structures. 0hese and ine pricing on various

treasury products are provided through the !ank9s 0reasury team. 0o comply with statutory

reserve re@uirements, the !ank is re@uired to hold 25? o its deposits in government

/2



securities. 0he 0reasury !usiness is responsi!le or managing the returns and market risk

on this investment portolio.

*ting

"#$% &ank has its deposit programmes rated !y two rating agencies %redit Analysis 3

Research *imited 7%AR+8 and $itch Ratings India Pvt. *td. 0he &ank9s $ixed #eposit

programme has !een rated 9%AR+ AAA 7$#89 G0riple AH !y %AR+, which represents

instruments considered to !e Co the !est @uality, carrying negligi!le investment riskC.

%AR+ has also rated the &ank9s %ertiicate o #eposit 7%#8 programme CPR /C which

represents Csuperior capacity or repayment o short term promissory o!ligationsC. $itch

Ratings India Pvt. *td. 7/<<? su!sidiary o $itch Inc.8 has assigned the CtAAA 7ind8C

rating to the &ank9s deposit programme, with the outlook on the rating as Csta!leC. 0his

rating indicates Chighest credit @ualityC where Cprotection actors are very highC. "#$%

&ank also has its longterm unsecured, su!ordinated 70ierII8 &onds rated !y %AR+ and

$itch Ratings India Pvt. *td. %AR+ has assigned the rating o C%AR+ AAAC or the 0ierII

&onds while $itch Ratings India Pvt. *td. has assigned the rating CAAA 7ind8C with the

outlook on the rating as Csta!leC.

RESEARCH METHOO(O)*

Research )ethodology is a way to systematically solve the pro!lem.

It may !e understood as a science o studying how research is done scientiically. In it we

study the various steps that are generally adopted !y the researcher in studying his research

pro!lem along with logic !ehind them . it is necessary or the researcher to know not only

the research methodstechni@ues !ut also the methodology used. Researchers not only need

to know how to develop certain indices or tests , how to calculate mean or median or

/'



mode, how to apply particular research techni@ues !ut must also know which o these

methods or techni@ues are relevant and what would they mean and indicate and why.

Research process consists o series o actions or steps necessary to eectively

carry out the research.

R+S+AR%" #+SI>1+

0he unction o research design is to provide or collection o relevant evidence with

minimal expenditure o time eort and money. I ollowed the census method as I did daily

route riding along with the executives and the salesmen. I got opportunity to meet and

interact with each one o the customers. and closely came to know speciic need o the

promotion o product o hdc !ank in the market as a whole. I covered the distri!ution area

under "JR;A region..

Jnder the supervision I got num!er o relevant data rom on spot inspection and personal

o!servation.

RESEARCH METHODOLOGY

Research methodology forms an important part of any research project. It is a way to

systematically solve the research problem. Two considerations for research methodology

under research report are

(1) RESEARCH ESI)N.

/



728 SECONAR* ATA.

Research #esign

0he unction o research design is to provide the collection o relevant evidence with

minimal expenditure o eorts, time 3 money. 0he research design used here is

exploratory in nature, very lexi!le 3 judgmental in order to study the products and

services provided !y the HFC BAN, (T.

Secondary #ata

Secondary data consists o the inormation that already exists somewhere 3 has !een

collected or a dierent purpose. )y secondary data sources or the research project were

• Internet

• "#$%

PR(#J%0 ($ "#$% &A1 A0 A >A*A1%+F

'ving3 A!!ount35- Current A!!ount35-

1. egular Sa!ings "##ount Plus $urrent "##ount

2. Sa!ings Plus "##ount Trade $urrent "##ount

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3. Sa!ingsMa% "##ount egular $urrent "##ount

4. Senior $iti&ens "##ount Ma% $urrent "##ount

5. Institutional Sa!ings "##ount Premium $urrent "##ount

6. 'ids "d!antage "##ount

7. amil* Sa!ings +roup

8. Pension Sa!ing Ban, "##ount

:. #eence Salary Account

i6ed Depo3it35- LAN'5-

1. egular i%ed Deposit Personal -oans

2. /ear Ta% Sa!ing i%ed Deposite 0ome -oans

3. Sweep1in a#ilit* Two 2heeler -oans

4. Super Sa!er a#ilit* New $ar -oans

Used $ar -oans

Edu#ational -oan

-oan "gainst Se#urities

/D

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'isan $ard

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Credit Crd3 5-

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Platinum Plus $redit $ard5isa Signature $redit $ard2orld Master$ard $redit $ard$orporate $redit $ardBusiness $redit $ard

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SA-I1> A%%(J10SF

Presenting the only eAge Savings Account that keeps pace with your growing needs. It is

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Jse your International #e!it %ard to shop at over =< lakh esta!lishments in /< countries.Pay your electricity, mo!ile phone and telephone !ills through the phone, Internet or the

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T*PES OF SA2IN) ACCO3NT+1

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"n eas*1to1operate sa!ings a##ount that allows *ou to issue #he7ues8 draw Demand Drafts and withdraw#ash. $he#, up on *our 3alan#es from the #omfort of *our home or offi#e through NetBan,ing8 PhoneBan,ing and Mo3ileBan,ing. Need mone* urgentl*9 2ithdraw #ash from an* of the ::; "TM #entres spread a#ross the #ountr*.

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2ide networ, of 3ran#hes and o!er thousand "TMs to meet all *our 3an,ing needs no matter where *ou arelo#ated.Ban, #on!enientl* with fa#ilities li,e NetBan,ing and Mo3ileBan,ing1 #he#, *our a##ount 3alan#e8 pa* utilit*3ills or stop #he7ue pa*ment8 through SMS.Ne!er o!erspend1 Shop using *our International De3it $ard that refle#ts the a#tual 3alan#e in *our sa!ingsa##ount.Personalised #he7ues with *our name printed on ea#h #he7ue leaf for enhan#ed se#urit*.Ta,e ad!antage of BillPa*8 an instant solution to all *our fre7uent utilit* 3ill pa*ments. Instru#t for pa*ment o!er the phone or through the Internet.

"!ail of fa#ilities li,e Safe Deposit -o#,er 8 Sweep1In and Super Sa!er fa#ilit* on *our a##ount.

< ree transa#tions on SBI="ndhra Ban, "TMs per month.ree Pa*a3le1at1Par #he7ue3oo,8 without an* usage #harges upto a limit of s.>8>>>=1 per month.ree Insta"lerts for all a##ount holders for lifetime of the a##ount.ree Pass3oo, fa#ilit* a!aila3le at home 3ran#h for a##ount holders (indi!iduals

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Introdu#ing the 3est 3an,ing option for *ou with 0D$ Ban, Sa!ings Plus "##ount. Now *ou #an get a##ess to some of the finest 3an,ing fa#ilities with0D$ Ban,s Sa!ings Plus "##ount. "ll *ou ha!e to do is maintain an "!erage?uarterl* Balan#e of s. @>8>>>=1 and e%perien#e the 3enefits as mentioned3elowA

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2ide networ, of 3ran#hes and o!er thousand "TMs to meet all *our 3an,ing needsno matter where *ou are lo#ated. ree transa#tions on an* other Ban,s "TM per monthree International De3it $ard for all a##ount holders for life time of the a##ount.ree Pa*a3le at Par (P"P) #he7ue3oo, without an* usage #harges upto a limit of>8>>> per month.ree Demand Drafts on 0D$ Ban, lo#ations8 upto a limit of :8>>>=1 per da*.ree BillPa* 6 Insta"lerts for all a##ount holders for lifetime of the a##ountree Ele#troni# unds Transfer fa#ilit*8 NetBan,ing8 PhoneBan,ing 6Mo3ileBan,ingSpe#ial relationship dis#ount on pur#hase of +old Bars:C1off on the -o#,er rental for the @st *ear (onl*).Inter#it* Ban,ing = Multi1#it* Ban,ing.ree Pass3oo, fa#ilit* a!aila3le at home 3ran#h for a##ount holders (indi!iduals).ree Email Statement fa#ilit*.

2el#ome to a world of #on!enien#e. Presenting Sa!ingsMa% a##ount8 loaded withma%imum 3enefits to ma,e *our 3an,ing e%perien#e a pleasure. B* maintaining ana!erage 7uarterl* 3alan#e of ust s. :8>>>=1 *ou get a host of premium ser!i#esfrom 0D$ Ban, a3solutel* free.

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eture3 7 ene"it35-ree unlimited transa#tionsA $ash withdrawal and 3alan#e en7uir*8 at all 0D$Ban, "TMs 6 on an* other Ban,s "TM using *our 0D$ Ban, De3it $ard.ree +old De3it $ard for primar* a##ount holder for lifetime of the a##ount. +old

De3it $ard for other a##ount holders at s :>=1 p.a.ree 2omans "d!antage=International De3it $ard for all a##ount holders forlifetime of the a##ount.ree Pa*a3le1at1Par (P"P) #he7ue3oo,8 without an* usage #harges upto a limit of@ la# per month.ree Demand Drafts on 0D$ Ban, lo#ations8 upto a limit of >8>>>=1 per da* athome 3ran#h.Self=Third Part* $ash Deposit=2ithdrawal at non1home 3ran#hes8 upto s >8>>>=1per da* free. "3o!e s >8>>> a #harge of s :.> per thousand on the fullamount would 3e appli#a3le.4ptional sweep out fa#ilit* to transfer e%tra sa!ings to a i%ed Deposit8 at the

threshold of s.>8>>>=1.In the e!ent of the 3alan#e in Sa!ingsMa% a##ounte%#eeding s >8>>>=18 the amount in e%#ess of s >8>>>=1 will 3e swept out in toa i%ed Deposit with a minimum !alue of s :>>>=1 for a @*ear @da* period.ree BillPa* 6 Insta"lerts for all a##ount holders for lifetime of the a##ount.ree Monthl* Statement of "##ount.>C off on the -o#,er rental for the @st *ear onl*.olio maintenan#e #harges on Demat a##ount free for first *ear.ree National Ele#troni# unds Transfer fa#ilit*8 NetBan,ing8 PhoneBan,ing 6Mo3ileBan,ing.

0D$ Ban, appre#iates *our needs and endea!ours8 whi#h is wh*8 we present ana##ount espe#iall* dedi#ated to *ou8 whi#h li,e a dutiful #hild will help *ou fulfill*our needs in the 3est manner possi3le.

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eture3 7 ene"it35-

+i!en 3elow are some of the e%#lusi!e pri!ileges *ou #an loo, forward with the Senior $iti&ens "##ounts

Shop with pride with *our Eas*Shop International De3it $ard offered free for life to the firstappli#ant. Shop (Point 4f Sale limit) upto s.:8>>>=1 per da*.Eno* an enhan#ed #ash withdrawal limit of s.:8>>>=1 per da* on the De3it $ard forwithdrawals at an* 0D$ Ban, "TM./ou need not sear#h for an 0D$ Ban, "TM8 *ou #an a!ail of < free #ash withdrawaltransa#tions per month at an* other 3an, "TM.Pa*a3le1at1Par (P"P) #he7ue3oo,s are issued free. 2ith this fa#ilit*8 outstation #he7ues issued3* *ou (for #learing) will 3e treated as lo#al #he7ues8 at an* 0D$ Ban, lo#ation.2hats more8 eno* free P"P usage upto s.>8>>>=1 per month. " nominal #harge of e.@=1 per@>>> will appl* a3o!e s.>8>>>=1 on the full amount.'eep a #lose e*e on *our a##ount with the monthl* a##ount statements offered free 4

"!ail of free Pass3oo, fa#ilit* at *our a##ount 3ran#h.Use the third part* #ash transa#tion fa#ilit* at non1a##ount 3ran#hes8 to ha!e *our near and dear

ones deposit = withdraw #ash upto s.>8>>>=1 per da* on *our 3ehalf for free. "3o!e s >8>>>a #harge of s :.>=1 per @>>> on the full amount would 3e appli#a3le.Use our PhoneBan,ing8 Mo3ileBan,ing and NetBan,ing fa#ilities offered free to rea#h us withease.

"!ail free SMS alerts to ,now the transa#tions in *our a##ount.ree Email Statement fa#ilit* and National Ele#troni# unds Transfer fa#ilit* a!aila3le.

" spe#iall* designed a##ount that offers twin 3enefits of a sa!ings as well as a #urrent a##ount. /our funds#ontinue to earn *ou interest while *ou eno* hassle1free 3an,ing 6 a host of other features.

"ll this and more in a Fero Balan#e a##ountG

eture3 7 ene"it35-Fero 3alan#e a##ountPa*a3le at Par #he7ue3oo, fa#ilit* reeA /ou #an now use *our P"P #he7ue3oo, at an* of 0D$ Ban,lo#ations (through $learing onl*) without an* #harge.

"!ail of ree 4utstation $he7ue $olle#tion at 0D$ Ban, lo#ations a#ross the #ountr*./ou #an also a!ail of spe#ial rates for outstation #he7ue #olle#tion at non10D$ Ban, lo#ations.Eno* unlimited DDs on 0D$ Ban, lo#ations ree.

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ree Edu#ation Insuran#e #o!er of s. @8>>8>>>=1 in the e!ent of death of the parent = guardian through!ehi#ular a##ident 3* road8 rail or air to safeguard the future of *our #hild.

"TM=International De3it $ard will 3e issued for #hildren 3etween 1@J *ears of age in the #hilds name with*our permission. The amount *our #hild is a3le to withdraw is s. @8>>=1 at "TMs or spend s. @8>>>=1 atmer#hant lo#ations./our #hild need not e!en sear#h for an 0D$ Ban, "TM. 0e=she #an ma,e < #ash withdrawal transa#tionsfrom SBI="ndhra Ban, "TMs per month8 a3solutel* free.

ree Personalised #he7ue 3oo, for *our #hild.Monitor the transa#tions of *our #hilds a##ount with the free 7uarterl* ph*si#al statement of a##ount or freemonthl* Email Statement of a##ount.ree NetBan,ing for *ou to monitor *our #hilds a##ount.ree SMS=Email alerts informing *ou a3out the a##ount transa#tions.

or their 'e!ured uture4pt for standing instru#tion to transfer an* amount from *our a##ount to *our 'ids "d!antage "##ount e!er*month (Minimum !alue K s. >>=1 6 Minimum tenure K @ *ear).4n#e the 3alan#e in the 'ids "d!antage "##ount rea#hes=e%#eeds s. @>8>>>=18 the amount in e%#ess ofs. 8>>>=1 will automati#all* 3e transferred into a i%ed Deposit for @ *ear @ da*8 in *our #hilds name8 3*signing in for our sweep1out fa#ilit*./ou #an also opt for s*stemati# in!estments in mutual funds from the 'ids "d!antage "##ount in *our #hildsname.

2hats more8 all the a3o!e fa#ilities #ome a3solutel* EE

The amil* Sa!ings +roup lin,s together upto four indi!idual 0D$ Ban, a##ounts (same famil*) under asingle group. Ta,e ad!antage of the group "!erage ?uarterl* Balan#e ("?B) and operate *our indi!iduala##ounts without worr*ing a3out minimum 3alan#e

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"ll a##ount holders #an operate their a##ount freel* without worr*ing a3out their minimum 3alan#e.

amil* mem3ers with NI status #an also 3e part of the group.+et ree $ash withdrawal transa#tions on SBI "TMs per group per month.Upto : free DDs= M$s on 0D$ Ban, lo#ations per a##ount per month (ma%. up to s. :8>>>=1 perinstrument per da*).ree International De3it $ard for all a##ount holders till the a##ount is part of the amil* group. (N4 "##ountswill 3e issued onl* "TM #ards)ree BillPa* 6 Insta"lerts fa#ilit* for all a##ount holders till the a##ount is part of the amil* +roup.ree Standing Instru#tions for in!estment into Mutual unds.ree 4ne5iew to a##ess all *our a##ounts.ree Mo3ileBan,ing8 NetBan,ing 6 PhoneBan,ing.

2D



Eno* a Sa!ings a##ount to Sa!ings a#ount sweep1in to a nominated a##ount (sweep1in to NE a##ounts notpermitted from resident = N4 a##ounts).Pa*a3le1at1par fa#ilit* at a nominal #ost for all a##ounts in the famil* group."!aila3le onl* on re7uest at the 3ran#h.$ash deli!er* L s. >=1 per deli!er*ree Pass3oo, fa#ilit* a!aila3le at home 3ran#h for a##ount holders (indi!iduals).ree Email statements .

0D$ B"N' is one of the leading Depositor* Parti#ipant (DP) in the #ountr* with o!er J -a# demat a##ounts.

0D$ Ban, Demat ser!i#es offers *ou a se#ure and #on!enient wa* to ,eep tra#, of *our se#urities and

in!estments8 o!er a period of time8 without the hassle of handling ph*si#al do#uments that get mutilated or lostin transit.

0D$ B"N' is Depositor* parti#pant 3oth with 1National Se#urities Depositories -imited (NSD-) and $entralDepositor* Ser!i#es -imited ($DS-)

eture3 7 ene"it35-

"s opposed to the earlier form of dealing in ph*si#al #ertifi#ates with dela*s in transa#tion8 holding and tradingin Demat form has the following 3enefits A

Settlement of Se#urities traded on the e%#hanges as well as off mar,et transa#tions.Shorter settlements there3* enhan#ing li7uidit*.

Pledging of Se#urities.Ele#troni# #redit in pu3li# issue. "uto #erdit of ights = Bonus = Pu3li# Issues = Di!idend #redit through E$S. "uto $redit of Pu3li# Issue refunds to the 3an, a##ount.No stamp dut* on transfer of se#urities held in demat form.No #on#ept of Mar,et -ots.$hange of address8 Signature8 Di!idend Mandate8 registration of power of attorne*8 transmission et#. #an 3eeffe#ted a#ross #ompanies held in demat form 3* a single instru#tion to the Depositor* Parti#ipant (DP).0olding = Transa#tion details through Internet = email.

'e!ured 7 e3y trn3!tion pro!e33ing

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0D$ Ban, -td pro!ides #on!enient fa#ilit* #alled SPEED1e (Internet 3ased transa#tion) where3* a##ountholder #an su3mit deli!er* instru#tions ele#troni#all* through SPEED1e we3site (httpsA==speed1e.nsdl.#om).SPEED1e offers se#ured means of transa#tion pro#essing eliminating preparation of instru#tion slips andsu3mission of the same a#ross the #ounter to the depositor* parti#ipant. The IDE"S fa#ilit* helps in !iewingthe #urrent transa#tions and 3alan#es (holdings) of Demat a##ount on Internet on real time 3asis.

'+ry A!!ount

Ehen your company opts or the "#$% &ank %orporate Salary Account programme, you

get more than just a Savings Account. 6ou get a superior !anking experience plus a host ovalueadded services. And an eAge !anking account that is accessi!le 2 hours a day, B

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6ou and your colleagues get the convenience o having your salaries credited directly, a

ree International #e!it %ard, (verdrat acility, plus ree #emand #ratsK and preerentialinterest rates on Personal *oans

Defen#e Salar* "##ount

Ehen you opt or the "#$% &ank #eence Salary Account programme, you get more than

just a Savings Account. 6ou get a superior !anking experience plus a host o valueadded

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acilities and over /<5 A0)s and 55 !ranches in 2<B cities across the country.

6ou can get the convenience o having your salaries credited directly, a ree International

#e!it %ard, ree collection o outstation che@ues, plus ree #emand #rats and preerential

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0he %entral >overnment %ivil Pension Scheme operated !y the %entral Pension

Accounting (ice 7%PA(8 and +mployees Pension scheme /::5 under +mployees

Provident $und (rganisation 7+P$(8 have appointed "#$% &ank as Pension

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In toda*s fast1pa#ed world8 *our 3usiness regularl* re7uires *ou to re#ei!e and send funds to !arious #ities inthe #ountr*. 0D$ Ban, Plus $urrent "##ount gi!es *ou the power of inter1#it* 3an,ing with a single a##ountand a##ess to more than HHH #ities.

rom spe#ial #he7ues that get treated at par with lo#al ones in an* #it* where we ha!e a 3ran#h8 faster#olle#tion of outstation #he7ues (pa*a3le at 3ran#h lo#ations)8 free a##ount to a##ount funds transfer 3etween0D$ Ban, a##ounts to ree inter1#it* #learing of up to @>> la,hs per month8 our priorit* ser!i#es ha!e3e#ome the 3en#hmar, for 3an,ing effi#ien#*.

Plus $urrent "##ount re7uires *ou to maintain an a!erage 7uarterl* 3alan#e of s. @>>8>>>.

eture3 7 ene"it35-ree "##ount to a##ount funds transfer 3etween 0D$ Ban, a##ountsree pa*ment and #olle#tion through *T&'.ree pa*ment and #olle#tion using NET (through Net3an,ing)ree up to > De(nd Dr"t3 per month and #an 3e issued from an* 0D$ Ban, Bran#hree up to > .y rder3 9.4 per month and #an 3e issued from an* 0D$ Ban, Bran#h.ree an*where #olle#tion 6 pa*ment transa#tions (#learing) within 0D$ Ban, 3ran#h networ, (e%#ept Dahe)8up to s.@>> la#s per month.$on!enien#e to 8ithdr8 7 depo3it #ash at all our 3ran#hes

<>> "t Par #he7ue lea!es free per month.egister for In3tA+ert ser!i#e and re#ei!e updates on *our a##ount as and when the sele#t transa#tionhappens 1 all this without !isiting the 3ran#h or "TMG0D$ Ban, offers *ou Doorstep Ban,ing8 a #hannel8 whi#h is #on!enient8 se#ure and hassle1free. Now8 *ou#an eno* the 3enefits of 3an,ing right at *our doorstep. The Ban, will arrange to render the ser!i#es li,e $ash6 $he7ue Pi#,up and $ash Deli!er*8 through a reputed agen#*.Eno* fa#ilities li,e :H1hour Phone Ban,ing8 Net Ban,ing and Mo3ile Ban,ing that helps *ou #he#, *our3alan#e 6 transa#tion details8 find out the status of *our #he7ue or stop #he7ue pa*ment.

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" $urrent a##ount is ideal for #arr*ing out da*1to1da* 3usiness transa#tions. 2ith the 0D$ Ban, egular$urrent "##ount8 *ou #an a##ess *our a##ount an*time8 an*where8 pa* using pa*a3le at par #he7ues ordeposit #he7ue at an* 0D$ 3an, 3ran#h. It also fa#ilitates EE NET transa#tions 6 EE T+S

#olle#tions for faster #olle#tions in *our a##ount. egular $urrent "##ount re7uires *ou to maintain an a!erage7uarterl* 3alan#e of onl* s. @>8>>>.

2ith a !ast networ, of 3ran#hes in #ities all o!er the #ountr*8 and a##ess to a multitude of "TMs8 *ou #an,eep tra#, of all *our transa#tions an*time

eture3 7 ene"it35-Convenient inter-!ity bning ADeposit *our lo#al #he7ues in one 3ran#h of a #it* and ha!e it #redited to *our a##ount at a 3ran#h in another#it* or ma,e pa*ments a#ross 0D$ Ban, lo#ations using P"P #he7ue fa#ilit* t no(in+ rte ree pa*ments and #olle#tions through NETree *T&' #olle#tion. T+S pa*ment L s.@>>=1 per transa#tionInter1#it* "##ount to a##ounts funds transfer 3etween HDC n !!ount3 at a nominal #harge of s.@=1

per transa#tionsree De(nd Dr"t3 9DD4 a3o!e s.@>>8>>>=1. Demand drafts up to s.>8>>>=1 at flat #ost of s.H>=1. DDsa3o!e s.>8>>>=1 6 up to s.@>>8>>>=1 at nominal #ost of s.:=1 .ree .y rder 9.4 a3o!e s.@>>8>>>=1. Pa* 4rder up to s.>8>>>=1 at flat #ost of s.H>=1. P4s a3o!es.>8>>>=1 6 up to s.@>>8>>>=1 at nominal #ost of s.:=1 .Pa*a3le at par #he7ue 3oo, at nominal pri#e.egister for In3tA+ert ser!i#e and re#ei!e updates on *our a##ount as and when the sele#t transa#tionhappens 1 all this without !isiting the 3ran#h or "TMG0D$ Ban, offers *ou Doorstep Ban,ing8 a #hannel8 whi#h is #on!enient8 se#ure and hassle1free. Now8 *ou#an eno* the 3enefits of 3an,ing right at *our doorstep. The Ban, will arrange to render the ser!i#es li,e $ash6 $he7ue Pi#,up and $ash Deli!er*8 through a reputed agen#*.Eno* fa#ilities li,e :H1hour PhoneBan,ing8 NetBan,ing and Mo3ileBan,ing that helps *ou #he#, *our 3alan#e6 transa#tion details8 find out the status of *our #he7ue or stop #he7ue pa*ment.

'2











Presenting ma%imum 3enefits and minimum hassles for *ou with Ma% $urrent "##ountG 2ith a s. la,hsa!erage 7uarterl* 3alan#e re7uirement8 we present to *ou a world of pri!ileges that helps *our 3usinesse%pand and grow. eatures li,e ma%imum free transa#tion limits in#luding other 3enefi#ial features on this#urrent a##ount trul* enhan#es *our 3usiness potential to the M"imum

eture3 7 ene"it35-

Ma%imum transa#tional 3enefits with faster mo3ilisation of funds "!erage 7uarterl* 3alan#e re7uirement of s. 8>>8>>>=1 "##ess to more than > 3ran#hes0uge #ost sa!ings in inter1#it* transa#tions for pa*a3le1at1par #he7ue issuan#e8 funds transfers8 NET8 T+S

or Demand Draft = Pa* 4rderaster #olle#tion of outstation #he7uesree "##ount to "##ount funds transfer 3etween 0D$ Ban, a##ountsree pa*ment and #olle#tion through T+Sree pa*ment and #olle#tion using NET (through NetBan,ing)ree Demand Drafts whi#h #an 3e issued from an* 0D$ Ban, 3ran#hree Pa* 4rders whi#h #an 3e issued from an* 0D$ Ban, 3ran#hFree an9":ere collection ; pa9ment <clearing= upto Rs- . Crore per mont: within 0D$ Ban, 3ran#h networ,(e%#ept Dahe)$on!enien#e to withdraw and deposit #ash at all our 3ran#hesFree cas: >eposit upto Rs- ./ (ak: per mont: a#ross all home 3ran#hes (su3e#t to a ma%imum of >transa#tions per month and a per da* limit of s.@8>>8>>>=1 on #ash deposit at a non home 3ran#h)$hoi#e of lo#al = Pa*a3le at Par #he7ues. >> lea!es free per monthegister for Insta"lert ser!i#e and re#ei!e updates on *our a##ount as and when the sele#t transa#tionhappens 1 all this without !isiting the 3ran#h or "TMG

0D$ Ban, offers *ou Doorstep Ban,ing8 a #hannel8 whi#h is #on!enient8 se#ure and hassle1free. Now8 *ou#an eno* the 3enefits of 3an,ing right at *our doorstep. The Ban, will arrange to render the ser!i#es li,e $ash6 $he7ue Pi#,up and $ash Deli!er*8 through a reputed agen#*.Eno* fa#ilities li,e :H1hour PhoneBan,ing8 NetBan,ing and Mo3ileBan,ing that helps *ou #he#, *our 3alan#eand transa#tion details8 find out the status of *our #he7ue or stop #he7ue pa*ment.

Premium %urrent Account

6our !usiness needs a partner who can manage your inances while you concentrate on

growing your !usiness. )aking your unds easily accessi!le wherever your !usiness

expands.

Intro>ucing t:e HFC Bank Premium Current Account

A %urrent Account with the !eneits o accessing your account rom a large network o

''



!ranches, and through direct access channels the phone, mo!ile, Internet and through the

A0).

+nter into a proita!le relationship and access all the privileges lowing your way.

eim3ursement $urrent "##ount

Introducing the "#$% &ank Reim!ursement Account . It completely eliminates the

necessity o counting and recounting cash, and the tedious paperwork and receipts

involved. $or those employees who already have Salary Accounts with us, all you do is

open a Reim!ursement Account and simply ask your company to credit the cash payments

directly into the account.

ItCs as easy as that. 6ou will appreciate its numerous !eneits too. $or instance, no more

worries a!out carrying large amounts o cash around with you. Since it is separate rom the

Salary Account, itCs also so much easier or you to maintain and track all the cash

payments in the Reim!ursement Account. And with "#$% &ankCs worldclass !anking

services and acilities, you can access the account, anytime and rom anywhere in the

world

$IL+# #+P(SI0FJrgent needs never announce themselves. &ut you always have to !e prepared or them.

Ehat !etter way to save than a $ixed #eposit in "#$% &ank, a leading private sector !ank

in IndiaM &rowse on and learn how you can get the most out o an "#$% &ank Regular

Fi?e> eposit.

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6es it9s true. 1ow you can actually have a com!ination o@ a Fi?e> eposit an> a Saings

or Current Account- Eith the Super Saver Account rom "#$% &ank. 6ou can enjoy an

overdrat acility o up to B5? o your $ixed #eposit unds without !reaking the $ixed

#eposit or losing interest on it.

Ehat9s more, this account has high interest o a $ixed #eposit and the li@uidity o a

Savings or %urrent Account as well. 0his along with a host o other !eneits is availa!le to

you with our Super Saver Account.

1ow make the most o having a $ixed #eposit Account linked to a 4ero !alance Savings

Account%urrent Account. 0he SweepIn acility gives you the high interest rates o a

$ixed

#eposit and the li@uidity o a Savings Account%urrent Account.

So when you need unds urgently it is transerred rom your $ixed #eposit to your account

automatically. 0his also lessens the possi!ility o a che@ue !eing returned due to

insuicient unds. 0he SweepIn Account gives you this and a host o other !eneits.

Do *ou wish to a!oid ta,ing o!erdrafts8 and still ta,e ad!antage of *our i%ed Deposits9 Then what *ou needis a Sweep1In a#ilit* on *our sa!ings a##ount.-in, *our i%ed Deposit to *our Sa!ings or $urrent "##ount and use it to fall 3a#, on in #ase of emergen#ies.

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" defi#it in *our Sa!ings or $urrent "##ount is ta,en #are of 3* using up an e%a#t !alue from *our i%edDeposit. Sin#e deposits are 3ro,en down in units of e @=18 *ou will lose interest onl* for the a#tual amountthat has 3een withdrawn.

eture3 7 ene"it35-

$hoose 3etween a Sa!ings "##ount or $urrent "##ount to lin, to *our i%ed Deposit.Earn higher interest on the mone* till it is swept1in8 while the remaining i%ed Deposit #ontinues to earn *ouinterest.4nl* an e%a#t amount re7uired to ma,e up for the defi#it in the Sa!ings a##ount is withdrawn from *our i%edDeposit (units of e. @=1) there3* minimising interest loss.Multiple deposits #an 3e lin,ed to the Sa!ings a##ount.le%i3ilit* in altering the period of deposit8 maturit* and pa*ment instru#tions8 prin#ipal amount and rollo!ermode./ou #an a!ail of 3oth8 a SuperSa!er a#ilit* as well as a Sweep1In a#ilit* if *ou ha!e lin,ed *our deposits to aSa!ings a#ilit*.Senior #iti&ens eno* a higher rate of interest on their i%ed Deposits.

"!ail an International De3it #ard and a ree #he7ue 3oo, on *our Sweep1in Sa!ings a##ount.

If *ou 3elie!e in long1term in!estments and wish to earn higher interests on *our sa!ings8 N42 is the time toin!est *our mone* in our i%ed Deposit. +et upto @>.>C on 0D$ Ban, i%ed Deposit with an additional>.>C for Senior $iti&ens. 2hats more N4 PEN"-T/ if *ou withdraw part of the D in times of need.le%i3ilit*8 Se#urit* and 0igh eturns all 3undled into one offering.$he#, out the rates and 3oo, an D T4D"/GG NetBan,ing Users #an login and 3oo, their i%ed Depositonline immediatel*.

eture3 7 ene"it35-

'D




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Potential to earn #ompound interest 3* rein!esting the prin#ipal amount along with the interest earned duringthe period.No penalt* for premature withdrawal.le%i3ilit* in altering period of deposit8 maturit* and pa*ment instru#tions8 prin#ipal amount and rollo!er mode3efore maturit* of the rollo!er deposit.

0igher rate of interest on i%ed Deposits for Senior $iti&ens.

"#$% &A1 *(A1SF

(oans @or eer9 nee> 1ow, our loans come to you in easytopay monthly instalments, and are availa!le with

easy documentation and @uick delivery.

06P+S ($ *(A1SN

/. Personal -oans

'B





2. 0ome -oans

'. Two 2heeler -oans

. Used $ar -oans

5. New $ar -oans

D. Edu#ational -oan

B. -oan "gainst Se#urities

=. -oan "gainst Propert*

:.. Tra#tor -oans

/<. $ommer#ial 5ehi#le

inan#e

A dre( v!tion:'on;3 d(i33ion to (edi!+ !o++ege:Dughter;3 8edding:

2hate!er the o##asion8 our range of .er3on+ Lon3 #an help. The pro#edure is simple8 do#umentation isminimal and appro!al is 7ui#,

eture3 7 ene"it35-

orro8 up to *3 1<,00,000 "or ny purpo3e depending on *our re7uirements.le%i3le epa*ment options8 ranging from @: to ;> months.

'=









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epa* with eas* EMIs.4ne of the lowest interest rates.H33+e "ree +on3 1 No guarantor=se#urit*=#ollateral re7uired.Speed* loan appro!al.$on!enien#e of ser!i#e at *our doorstep.Cu3to(er privi+ege3

If *ou are an 0D$ Ban, !!ount ho+der 8 we ha!e spe#ial rates for *ou.

If *ou are an e%isting Auto Lon !u3to(er with a #lear repa*ment of @: months or more from an* of

our appro!ed finan#iers or us8 *ou #an get a h33+e "ree per3on+ +on 98ithout in!o(edo!u(enttion4.

If *ou are an e%isting 0D$ Ban, .er3on+ Lon !u3to(er with a #lear repa*ment of @: months or

more8 we #an Top-Up your per3on+ +on.

.er3on+ A!!ident Cover In order to ensure that *our famil* is ta,en #are of we also offer a Personal "##ident #o!er of s.:8>>8>>> at anominal premium.

3tr! your +on 8ith our ttr!tive !r +on p+n3Auto Lon Teover .+nIf *ou are a salaried indi!idual holding an* of the #redit #ards mentioned 3elow8 *our loan gets pro#essedfaster.

*e=uire(ent35-

a#ilit* is a!aila3le to onl* 0D$ 3an, a##ount holders ($"S").

"ll terms and #onditions appli#a3le for the used #ar produ#t are appli#a3le for the -oan ta,e o!er

produ#t. Minimum month old loan with an* appro!ed inan#ier with #lear repa*ment tra#, re#ord

Advntge p+tinu( Credit Crd .+nIf *ou are a salaried indi!idual holding an* of the #redit #ards mentioned 3elow8 *our loan gets pro#essedfaster.

*e=uire(ent35

':



/our #ard has to 3e atleast one *ear old.

/ou need to su3mit the last two 3illing statements.

Small #ars8 normal funding up to three *ears.

unding on premium #ars restri#ted to >C under this plan.

The plan does not in#lude multi1utilit* !ehi#les.

$ontra#t #op* and salar* slip of NI.Endorsement on passport for last < *ears.Proof of ownership of propert*.Post1dated #he7ues must 3e from the resident a##ount of the 3orrower.

No In!o(e-Do!u(ent Lon .+nNow8 *ou #an get a #ar loan without proof of in#ome.

Under this s#heme8 *ou get the loan amount up to ;>C of the #ar in!oi#e !alue.The tenure of loan #an 3e a ma%imum of < *ears.

100> Lon .+n 8ith i6ed Depo3it LienThis allows *ou to ta,e a loan against *our deposit at 0D$ Ban,.

100 CC:1?0 CC:r (ybe <00 CC:

2hi#he!er the 3i,e8 our T8o Whee+er +on is the answer. 2ith 7ui#, appro!als8 fle%i3le pa*ment options andeas* repa*ment 1 well help *ou 3u* the 3i,e *ou desire.

eture3 7 ene"it35-

le%i3le repa*ment options8 ranging from @: to HJ months a!aila3le e!en at the point of pur#hase.epa* through post1dated #he7ues with eas* EMIs. $al#ulate *our EMI.H33+e "ree +on3 1 No guarantor re7uired.Speed* loan appro!al.

"!aila3le for almost all models at ttr!tive intere3t rte3.ree gifts from time to time on appro!al of *our Two 2heeler -oan. (2at#h this spa#e for more details on thefree gift promotion).'pe!i+ '!he(e3 to 3uit your need3

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O 3tTr! 1 If a spot appro!al is what *ou need8 this highl* fle%i3le s#heme gets *ou a loan of up to >C withminimum interest rates.

O E3yLon 1 This great s#heme gets *ou a loan of upto up to JC with minimal do#umentation. "ll *ou needas a Surrogate In#ome proof isA- " #op* of #redit #ard and #redit #ard 3illing statement for the last : months * - " repa*ment tra#, re#ord * - -ast < months 3an, statements.

A t8o-bed prt(ent:The 3e-"!ing penthou3e:r )u3t the right pie!e o" +nd to bui+d your dre( hou3e:0D$ Ban, 3rings8 0D$ home loans to *our doorstep. 4!er < de#ades of e%#lusi!e e%perien#e8 a dedi#atedteam of e%perts and a #omplete pa#,age to meet all *our housing finan#e needs8 0D$ 0ome -oans8 help*ou reali&e *our dream.

eture3 7 ene"it35-

Home (oan 1 0ome loans for indi!iduals to pur#hase (fresh = resale) or #onstru#t houses. "ppli#ation #an 3emade indi!iduall* or ointl*. 0D$ finan#es up to JC ma%imum of the #ost of the propert* ("greement !alue Stamp dut* egistration #harges) 3ased on the repa*ment #apa#it* of the #ustomer.

Home Improement (oan 1 0I- fa#ilitates internal and e%ternal repairs and other stru#tural impro!ements li,epainting8 waterproofing8 plum3ing and ele#tri# wor,s8 tiling and flooring8 grills and aluminium windows. 0D$finan#es up to JC of the #ost of reno!ation (@>>C for e%isting #ustomers) su3e#t to mar,et !alue of thepropert*..Home E?tension (oan 1 0E- fa#ilitates the e%tension of an e%isting dwelling unit. "ll the terms are the same asappli#a3le to 0ome -oan.(an> Purc:ase (oan 1 Be it land for a dream house8 or ust an in!estment for the future8 0D$ -and Pur#hase-oan is a #on!enient loan fa#ilit* to pur#hase land. 0D$ finan#es up to JC of the #ost of the land($onditions "ppl*). epa*ment of the loan #an 3e done o!er a ma%imum period of @ *ears.C:oose @rom Fi?e> Rate or Floating Rate with options to stru#ture *our loan as Partl* i%ed or Partl* loating.

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Fle?i!le repa9ment options to suit *our indi!idual needs.(oan coer Term Assurance Plan 1 0D$ Standard -ife Insuran#e $ompan* -td. offers an insuran#e plan8whi#h is designed to ensure that lifes un#ertainties do not affe#t *our famil*s interests and *our pre#ioushome. -$T"P pro!ides a lump1sum pa*ment on the unfortunate demise of the life assured.

This pure ris, plan is designed in a wa* that the #o!er de#reases as *ou repa* *our home loan ma,ing it a low#ost premium insuran#e plan.

Insuran#e is the su3e#t matter of soli#itation.Automate> Repa9ment o@ Home loan EMI 1 /ou #an gi!e us standing instru#tions to repa* *our 0ome -oanEMIs dire#tl* from *our 0D$ Ban, Sa!ings "##ount8 thus8 sa!ing *ou the trou3le of pro#uring8 signing andtra#,ing post1dated #he7ues.0D$ also offers In1:ouse scrutin9 o@ Propert9 >ocuments for *our #omplete pea#e of mind.

eture3 7 ene"it35-

-oans upto s.@ -a,hs for Edu#ation in India and upto s.:> -a,hs for Edu#ation a3roadQ "ttra#ti!e interest rates.epa*ment to start @ *ear after #ourse #ompletion = ; months after o3taining emplo*ment (whi#he!er isearlier)-oan a!aila3le upto tenure of *ears in#luding moratorium period.Ta% Benefits a!ailai3le under Se#tion J>E of the IT "#t 0assle free loans and speed* appro!als.$on!enien#e of ser!i#e at *our doorstep.-oans a!aila3le for other #ourse related e%penses alsoG

-oans dis3ursed dire#tl* to the edu#ational institution.-oan to 3e released as per fee s#hedules of institutes.

E%#lusi!e Telegraphi# Transfer fa#ilit* a!ailai3le for #ourses a3road.-oans a!aila3le for short duration= o3 oriented #ourses also.

2



Co((er!i+ @ehi!+e Lon

Are you looking at inance or loan options or the purchase o your truck, !us, tipper or

light commercial vehicle M

6ou are looking at the right place. Ee oer hassleree %ommercial -ehicle *oan with the

!est terms or unding at the most attractive rates in India.

Lon3 re e6tended "or .ur!h3e o" 5-

$ommer#ial 5ehi#les 1 -oans for -$5s (-ight #ommer#ial !ehi#les8 0$5s (0ea!*

$ommer#ial 5ehi#les)8 M$5s (Medium $ommer#ial 5ehi#les)8 Three 2heelers

(This in#ludes 3uses8 tru#,s8 tempos8 tippers)

2e pro!ide funding for all models of Tel#o8 "sho, -e*land8 Swara Ma&da8 Ei#her8

Baa Tempo8 5ol!o et#. The #hoi#e is entirel* *ours.

'



Cr Lon - Ne8 Cr Lon3

6ou have spent a lot o time thinking a!out the make, model and colour o your car. 1ow

you don9t have to spend a moment more than necessary to !ring it home.

;ust get in touch with us or a car loan to !uy a new car and see how simple the car !uying

experience can !e. "#$% &ank9s %ar *oans Scheme is the most convenient way to get a

loan or your new dream car.

Isn9t it time you stepped on the acceleratorM

A>antages o our 1ew %ar *oans Services

Speedy processing within = hours.

%overs the widest range o cars and multiutility vehicles in India.

Ehatever the car you choose, we inance you, or up to :<? o its invoice value.

$lexi!le repayment options /2 to D< month period.

Attractive car loan plans.

Among the lowest interest rates.

"assleree documentation.

Prepayment prepay the loan anytime ater D months at a small charge.

Special rates or "#$% &ank account holders.



Cr Lon - U3ed Cr Lon3

0oday, used car o relia!le @uality and good value or money are readily availa!le. "#$%

&ank Jsed %ar *oans puts you in the driverCs seat. $lexi!le options are availa!le or most

models at competitive interest rates, and @uick approvals. Ehat9s more, "#$% &ank also

helps you select good @uality used cars and even value them.

A>antages o our Jsed %ar *oans Services

6ou can choose any car manuactured in India within a certain ageK.

%hoose lexi!le loan repayment schedules.

>et up to =<? inance o the value o the car.

Repay in easy installments o /2 to = months.

Avail o the lowest interest rates.

I you are an "#$% &ank account holder, we have got special !eneits or you.

K D years or premium vehicles, B years or standard vehicles and up to = years 7only or

salaried individuals8 on select vehicles.

:ere an> Ho" can 9ou appl9

Applying or a Jsed %ar *oans is a!solutely simple. ;ust ill the online Apply 1ow orm

and our representative will get in touch with you shortly.

6ou could also call our Phone&anking service and our customer service representative will

call on you, at your convenience.

5

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Lon Agin3t 'e!uritie3

Is your money !locked in high yielding securities vi4 +@uity Shares, )utual $und Jnits,

>(I Relie &onds, *I% Policies, I)#sRI&s.

1o pro!lemO Apply or an eInstant *oan, and in just D< seconds you can ind out exactly

how much overdrat you can draw against your securities, while still retaining ownership.

And i you are eligi!le, you will have the money in your hands in a ew days.

(verdrat acility also against *I% Policies , >overnment o India Relie &onds and

RI&sI)#s. Ehat9s more, !y applying online, you get a preerential interest rate. And the

!est part is that you can continue to enjoy all your shareholder !eneits such as rights,

dividends and !onuses.

A>antages o our *oan Against Securities Services

e1Instant (oansF (nline eligi!ility approval in D< seconds, loan dis!ursement in B2 hours.

(verdrat acility can !e availed against pledge o +@uity Shares, )utual $und units, >(I

Relie &onds or *I% Policies, RI&sI)#s.

Preerential rate o interest or online applications.

Pay interest only on the amount outstanding and only or the time you use it.

Interest is calculated on the daily outstanding !alance and de!ited to your account every

month end.

Shares can !e pledged rom any #epository 71S#* or %#S*8 and any #epository

Participant across the country.

$or availing o the overdrat acility, the securities need not necessarily !e in your name.

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:ats moreD "e also o@@er 9ou t:e @ollo"ing @eatures

Minimum loan amount F Rs. 5<,<<<

ra"ing Po"er

#emat Shares #emat Shares up to 5<? o the value

)utual $unds )utual $unds up to 5<? o the value

0he contri!ution o a single scrip should not exceed D5? o the total portolio value at any

point o time during the tenure o the account.

Single Scrip (en>ing

*ending upto 5<? o the value.

"#$% &ank to !e the #epository Participant.

Ma?imum (oan Amount Rs- '/ (ak:s

0o receive the overdrat amount, a %urrent Account is created in your name into which, we

will create an overdrat limit.0his entitles you to all the %urrent Account !eneits like

FREE International e!it Car>

FREE ATM acility ena!ling anytime access to your account rom all the A0)s around

the country.

FREE P:oneBanking allowing 2hour access to your account.

FREE NetBanking allowing 2hour access to your account.

A personalised che@ue !ook or enhanced security.

#etailed statement showing the current value o your portolio and the securities pledged

!y you.

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Lon Agin3t .roperty

+xpand your !usiness, plan a dream wedding, or und your child9s education.....

"#$% &ank !rings to you *oan Against Property. 6ou can now take a loan against your

sel occupied residential or commercial property and enhance the value o your property.

>et a loan o upto Rs. / crore and repay it in easy +@uated )onthly Instalments 7+)I9s8.

>ain

rom your property without giving it on rent or selling it.

A>antages o "#$% &ank9s *oan Against Property

0hrough its uni@ue product eatures "#$% &ank oers ollowing !eneitsF

*oans up to D<? o the market value.

Attractive interest rates in comparison with other orms o !orrowings.

Speedy Processing.

$lexi!le surrogate income products structured to suit your needs.

0enure up to /< years.

=



The 3est features *ou #ould as, for in a #redit #ard.

$om3ined with all the ser!i#es offered 3* a world1#lass 3an,.+et all with the 0D$ Ban, International Sil!er $redit $ards.

Spending mone* was ne!er so rewardingG

eture3 7 ene"it35-

A++-purpo3e !redit !rd The 0D$ Ban, Sil!er $redit $ard #an 3e used for all *our re7uirements8 3e it shopping8 eating out8holida*ing8 fuelling up *our !ehi#le8 railwa* ti#,et reser!ations 1 ust a3out an* finan#ial re7uirement8 plannedor on impulse.Ern 8hi+e you 3pend 2ith us8 mone* spent is mone* earned. or e!er* s. @> *ou spend8 *ou earn @ reward points. /ou #anredeem these a##umulated points for e%#iting gifts and offers from our e%#lusi!e rewards program.Add on !rd3 +et up to < add1on #ards for *our spouse8 parents8 si3lings (own 3rother=sister)8 son and=or daughter (o!er @J*ears) and allow them to eno* the man* 3enefits of the 0D$ Ban, International Sil!er $redit $ardero +ibi+ity on +o3t !rd In #ase *our #redit #ard gets lost8 report it immediatel* to our :H1hour #all #entre. "fter *ou do this8 *ou #arr*&ero lia3ilit* on an* fraudulent transa#tions on *our #ard.Wide+y !!epted

"##epted at o!er @@>8>>> mer#hant esta3lishments a#ross India and Nepal and #lose to @J million mer#hantesta3lishments around the world.

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It;3 po8er p!ed 8ith ho3t o" un(t!hed "eture3 tht provide3 your "(i+y 8ith true @+ue nd3ving3$No 8onder 8e !++ it the Value Plus Credit Crd$

-i,e the name suggests8 the 5alue Plus $redit $ard 3rings *ou added !alue unli,e an* other #ard. It is a+uaranteed $ash Ba#, #ard whi#h ena3les *ou to earn up to C $ash Ba#, on *our spends.

eture3 7 ene"it35-

@+ue .+u3 C3hb!- Anyti(e Any8here Use *our 5alue Plus $redit $ard an*where an*time during the *ear and a!ail up to C #ash3a#, on all retailspends.

Ctegory C3hb! B

ailwa*8 0ospitals8 Medi#al stores C+ro#er*8 Dept Stores8 Supermar,et8 estaurants @.>C

"ll other retail spends >.>C

The #ash3a#, will 3e #redited to *our #ard a##ount in su3se7uent statement su3e#t to the #ondition that the total amountdue in the #urrent statement is s >> or a3o!e. The #hange is effe#ti!e from @st sep :>>.

Please #li#, here for detailed terms and #onditions. Wor+d8ide !!eptn!e The 0D$ Ban, International 5alue Plus $redit $ard is a##epted at o!er :< million Mer#hant Esta3lishments

around the world8 in#luding @@>8>>> Mer#hant Esta3lishments in India.C3h Advn!e Rust step into an* one of our "TMs or 5IS" Mem3er "TMs and withdraw #ash up to <>C of *our #redit limitat a !er* nominal #harge (Please refer to the S#hedule of #harges).*evo+ving !redit "!i+ity This feature allows *ou to pa* a minimum amount8 whi#h is C (su3e#t to a minimum amount of s.:>>) of*our total 3ill amount or an* higher amount whi#he!er is #on!enient for *ou. /ou #an then #arr* forward the3alan#e to a 3etter finan#ial month8 for whi#h *ou pa* a #harge of <.:C per month.Intere3t ree Credit .eriod/our $ard now gets an Interest ree $redit Period of up to > da*s from the date of pur#hase (su3e#t to thesu3mission of the #harge 3* the Mer#hant). Su3se7uentl*8 if *ou #arr* forward *our outstanding 3alan#e *ou

ust pa* a nominal interest of <.:C per month.+n!e Trn3"er ption If *ou ha!e an* other #redit #ard and wish to transfer their 3alan#es to *our 0D$ Ban, International 5aluePlus $ard8 those 3alan#es will attra#t a nominal #harge for a period of si% months from the transfer date. Theoutstanding amount transferred #an 3e up to >C of *our 0D$ Ban, International 5alue Plus $ard $redit-imit.

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eture3 7 ene"it35-

. cas: !ack on 9our Mont:l9 :ouse:ol> purc:ases

+et a whopping C #ash 3a#, on all gro#er*= supermar,et= Medi#al store pur#hases on *our womans gold#ard if *our statement 3alan#e for that month is a3o!e s :>>>>..Attractie re"ar>s programme +et : reward points for e!er* s.@> spent and redeem them against airmiles a#ross leading airlinesi>e c:oice o@ re>emption

M*ewards gi!es *ou an arra* of redemption opportunities for *our Points 1 rom mi#rowa!es to refrigerators8from Bar3ie dolls to latest ashion la3els8 we ta,e pride in gi!ing *ou one of the widest options for gettingrewardedG /ou #an also redeem *our a##umulated reward points for air miles on leading airlines li,e Ret

"irwa*s8 "ir India8 'ingfisher "irlines .Reoling cre>it @acilit9

Pa* a minimum amount8 whi#h is C (su3e#t to a minimum amount of s.:>>) of *our total 3ill amount or an*higher amount whi#he!er is #on!enient and #arr* forward the 3alan#e to a 3etter finan#ial month. or thisfa#ilit* *ou pa* a nominal #harge of ust <.:C per month (<C annuall*).(ost car> lia!ilit9

In #ase *ou lose *our #ard8 intimate us immediatel*. If an* fraudulent transa#tions happen after *ou ha!eintimated us8 *ou are full* a3sol!ed of an* lia3ilit* on those transa#tions up to s. :.>> la#s.Interest @ree cre>it @acilit9

"!ail of up to > da*s of interest free period from the date of pur#hase (su3e#t to the su3mission of the #harge3* the Mer#hant).orl>"i>e acceptance

"##epted at o!er :< million mer#hant esta3lishments around the world8 in#luding @@>8>>> mer#hantesta3lishments in India.

E1Se!a $redit $ardA1

T:e Hig:lig:ts

5'



0he "#$% &ank eSeva %redit %ard has !een designed exclusively or the residents o

"ydera!ad. 0he card eatures have !een customised to the needs o the residents o the

emerging 0echnology %apital o India. It oers you the !est eatures a card can provide

along with the conveniences oered !y a !ank. &e it low interest !alance transer acility

or comprehensive insurance cover, each o its eatures will help you manage your inances

!etter and leave you ree to live a !etter lie.

0he "#$% &ank eSeva %redit has all the regular eatures o the "#$% &ank International

Silver %redit %ard plus exclusive eatures likeF

• Hassle @ree pa9ment Sign up onetime or a Standing Instructions acility on

your eSeva card or any eSeva payments.

• Re"ar> Points Save upto 2? as you spend +arn 2 reward points on every

Rs./<< spent on eSeva or any other transactions. 0hese points can !e accumulated

and redeemed towards gits and utility !ills at a later date.

• Pre@erre> Partners

)iant 1 H9per1market o@ t:e RP) group /<? discount on Apparel and

"ousehold goods

Apollo Hospitals

/5? discount on all (utpatient Investigations,

/<? discount on Inpatient 0reatment 7exclusive o drugs,

disposa!les and proessional ees8,

5



2<? discount on Preventive "ealth %hecks.

$ree su!scription to #octors at "ome Services 7payment per call

only will !e charged at Rs. 25<8

AirTel /<<? Activation ee waived on new postpaid connections.

PiGGa Corner /5? o on !ills 7not included on !randed products sold

within store like cold drinks8

Ramoji Film Cit9

B.5? o on entry ees.

/<? ( on hotel !ills and merchandise.

%hoose which o these eaturesK you would !eneit rom the most...

&alance 0ranser at a lower interest rate

"assleree travel

Eide acceptance

%ash at your ingertips

Addon %ards

Save while you spend 7Reward Points8

Balance Trans@er at a lo"er interest rate

)ost cards charge interest at the rate o 2.:5? per month. 0ranser

the same !alance to "#$% &ank9s credit card and you will pay

interest at the rate o only /.D5? per month. $or existing customers

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o "#$% &ank, we oer a special rate o /.5? per month or D

months.Ehy pay more when you have another way out M

Hassle1@ree trael

0ravel !ookings were never so easy. #reams o a @uiet amily vacation are oten ruined !y

hassles o travel !ookings. 1ow with the "#$% &ank eSeva %redit %ard, !ook your train

and air tickets rom the comort o your home or oice.

Train Bookings

$orget those long @ueues at railway ticket counters and enjoy the convenience o !ooking

train tickets rom your home. (ur tieup with SI0A 0ravels or !ooking o train tickets,

will ensure that you can now get train tickets delivered to you at your home. 1ominal cost

or delivery is charged.

Airline bookings

Avail a '.5? discount on domestic and 5.5? discount on international travel as also ree

home delivery on all your !ookings as a valued "#$% &ank card holder.

KKAll o the a!ove oers are su!ject to the terms and condition o the card mem!er

agreement 0o avail a copy o the terms and conditions, please call our 2 hour %ustomer

%all %enter.

or write to us at "#$% &ank, %redit %ards division, P.(.&ox no '::, Anna Salai " P (,

%hennai D<< <<2.

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+arn 2 reward points or every Rs. /<< charged to your card. Save these points and redeem

them or exciting gits and oers. Ehat9s more you can save these reward points upto /=

months.

Priilege Pricing on (oans

As a "#$% &ank eSeva %redit %ard holder you get loans rom the !ank at special rates.

0he rate discount oered is as ollowsF

(oan iscount O@@ere>

Personal *oans $

%ar *oans /-.

Jsed %ar *oans /-.

Repa9ments ma>e eas9

3se an9 o@ t:e options gien !elo" to pa9 9our cre>it car> !ills-

T:roug: ATMs F

Ealk in to any one o the D<< and more A0)s in India, at any time or paying your credit

card dues , either !y cash or !y che@ue. I you have an account with "#$% &ank, all you

have to do is transer the !ill amount rom your savings or current account to your credit

card account.

T:roug: NetBanking F

I you have an account with "#$% &ank, and you are registered or "#$% &ank

1et&anking acility,all you have to do is transer the !ill amount rom your savings or

current account to the card account on the 1et, !y @uoting your /Ddigit card num!er.

Stan>ing Instructions F

I you have an account with "#$% &ank, you can give a written instruction to

5=



automatically de!it your !ank account with either minimum amount due or total amount

due o your monthly outstanding to your credit card. "owever, your account with "#$%

&ank should !e a sole account or a joint account with an any, or either, signing mandate.

T:e >rop1!o? option F

All you have to do is drop in your payment che@ue, @uoting your /Ddigit card num!er, at

any one o our drop !oxes in your city.

Oer t:e counter F

6ou can also make your payment !y cash or unds transer at any "#$% &ank !ranch in

India, !y @uoting your /Ddigit card num!er.

Please remem!er to detach the %redit %ard payment stu! and enclose it with your

payment .

T:roug: P:oneBanking

&ill Payments were never so easy. %all our 2hour %ustomer %all center and re@uest a Pay

(rder #emand #rat to !e sent to you. Pay your insurance premium, electricity

telephone mo!ile !ills using this service.

1ote F 0he Jtility Payments will !e adjusted to your availa!le cash limit and will attract

interest rom the date o processing. 0his service is currently availa!le in select cities or

select utilities companies only.

No (ia!ilit9 on lost car>

Should you lose your credit card, report the loss immediately on our 2hour call centre at

the !elow mentioned num!ers. Any raudulent transactions ater reporting the loss will not

!e your lia!ility and will !e !orne !y us.

Protecting 9ou t:roug: insurance

5:



0he "#$% &ank eSeva %redit %ard oers the most comprehensive insurance cover at no

additional costO &esides insuring your lie against death due to an accident it also protects

you in the event o hospitali4ation.

In case o@ >eat: in an acci>ent

I the card holder loses his lie in an air accident, the nominated next o kin will receive a

compensation o Rs. lakh. In case this happens in a rail or road accident, the nominated

kin will receive a compensation o Rs. 2 lakh.

Pri!ate Ban,ing

Private &anking is a comprehensive and exclusive service, oered !y "#$% &ank, to

select high net worth individuals and institutions. 0he service is provided !y an advisory

team specialised in inancial and investment services. 0hese experienced proessionals put

together un!iased and o!jective guidance !ased on strong research and indepth analysis o

inancial instruments taking into account your inancial goals and re@uirements.

An experienced Relationship )anager serves as your onepoint contact, or your complete

!anking and investment needs and re@uirements.

• Resident Services

Euit9 A>ice

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Advice on direct e@uity is through research reports !ased on undamental and technical

parameters across individual stocks model portolio customised client portolios.

Research recommendations are generated !y our +@uity Research team and cover dierent

risk parameters and time hori4ons.

(ur coverage includes comprehensive reports and regular updates. %lick on any report to

view a sample o the same

ail9 AA) 0he newsletter 9At A >lance9 7AA>8 ocusses on daily e@uities and events

with coverage across e@uity, de!t and orex markets.

Market Impact $undamental analysis o companies and results

ail9 Market Pulse A technical analysis and interpretation o charts

Compan9 Researc: Reports Reports and views on stocks and recommendations across

dierent time rames

Stock I>eas Reports on aggressive stock themes.

0hese recommedations are then aggregated into dierent model portolios or reerence

across

Conseratie port@olio $or long term investors

Aggressie port@olio $or medium term investors

Super aggressie $or short term investors

In addition, we oer research support on

Tra>ing Strategies A newsletter !ased on opportunities in the derivative segment

)ot- o@ In>ia Saings Bon>s

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0hese !onds are issued !y the Reserve &ank o India 7R&I8 on the !ehal o the >ovt. o

India 7>(I8. >(I &onds are availa!le in one coupon rates

• =? Savings &onds 2<<' 0hese !onds carry an interest o =? which is taxa!le. An

investor can receive interest either on a halyearly !asis or on maturity. 0here is no

limit on the investment amount in these !onds. 0he maturity period o the = ?

Savings !ond 7taxa!le8 is six years.

"t 0D$ Ban,8 we understand the !alue of *our time and the opportunities it holds for *ou. /our personalfinan#ial in!estment needs might get o!erloo,ed8 while *ou attend to *our 3usiness and professional needs. Inline with this8 we are pleased to offer to *ou a #ustomised Inve3t(ent Advi3ory 'ervi!e for *our e%istingportfolios and regular in!esta3le surpluses.

The ser!i#e offers resear#h 3ased ad!i#e to optimise returns on *our in!estment portfolio a#ross a range offinan#ial instruments8 ,eeping in line with *our profile and in!estment o3e#ti!es. /our e%isting portfolio isanal*sed to ad!i#e *ou on re3alan#ing to o3tain an optimum asset mi%. 0ere8 a dedi#ated ad!isor regularl*guides *ou through the e!olution of new mar,et opportunities8 to e!aluate and restru#ture *our e%istingin!estment portfolio.

D2



E1"ge Ban,ing

elcome t:e "orl> o@ e1Age Banking F

eAge &anking lets you check your !alances and other details on all your Savings, %urrent

and #emat Accounts, allows you to make loan payments on your loans, transers money

!etween your accounts, and much more.

In addition to !anking rom your home, you can now pay your !ills rom the comort o

your home or oice using "#$% &ank9s &illPay service. 0his service gives you the

reedom to pay your utility !ills, even your insurance premium, without waiting in @ueues,

writing checks or missing !ill payment dates. And it is $R++.

At "#$% &ank, we call it CeAge !ankingC where the 9e9 is aimed at making lie a lot

easier.

HFC Banks e1Age Banking C:annels are+

NetBanking+

1ow, a FREED sae and secure way to !ank over the InternetO %heck your uptothesecond

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Net!anking 1 Online Banking 0 Internet Banking

1ow uptothe second access anytime anywhere O

Ehile many !anks oer online !anking or internet !anking acilities, most o them do not

oer uptothesecond account inormation. Ehich means that i a che@ue issued !y you

has !een de!ited rom your account in the morning, your account status will not relect this

when you login to your account in the aternoon. 0hat9s !ecause, the account is updated at

the end o each day and not instantaneously.

"#$% &ank (nline is a pioneer with regards to online !anking or internet !anking

services in India and has contri!uted immensely to changing the ace o !anking in India.

Eith 1et&anking, you can not only view your account !alance !ut also open a $ixed

#eposit, transer unds, pay your electricity, telephone or mo!ile phone !ills and much

more. Run through our interactive 1et&anking demo to learn more a!out its various online

!anking or internet !anking eatures. Also you can now register or this service over the

phoneO %all our Phone&anking num!ers in your city and use your 0I1 70elephone

Identiication 1um!er8 to register right awayO 0hese services have made !anking online in

India a pleasure.

And now, we are proud to introduce or the irst time in India a new, powerul eature or

our 1et&anking customers One2ie"- it: One2ie" 9ou can ie" not onl9 9our

HFC Bank accounts !ut also 9our ICICI BankD Citi!ankD HSBCD Stan>ar>

C:artere> Bank D )lo!al Trust Bank accountsDCiti!ank cre>it car>s an> HFC Bank

D5





emat accounts- So 9ou can actuall9 ie" si? !anks at t:e same time on one screenJ

Ehat9s more the service is a!solutely FREE O

Onl9 HFC Bank gies 9ou KOne2ie"K o@ & !anks

0ired o logging in to dierent !anks one ater the other to check account !alancesM &ored

going rom page to page to acess your account detailsM It is time you registered or

One2ie". $or the irst time in India, this convenient service !rings together your online

!ank accounts 7including those o amily mem!ers8, in one place, in total security.

1ow, (ne-iew puts it all on one screen or you, so that tracking and managing your online

accounts !ecomes @uicker and easier than ever !eore. >iving you a complete picture o

your inances across multiple accounts.

I you have one or more accounts with "#$% &ank, %iti!ank, I%I%I &ank, "S&% India,

Standard %hartered &ank andor >lo!al 0rust &ank then (ne-iew is just right or you.

&est o all, it9s a!solutely reeO

Simply register or Internet !anking with these !anks and use (ne-iew to get a single

window acess to F

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T.E' #+&I0 %AR#SF

/. Eas*Shop International De3it $ard2. Eas*Shop +old De3it $ard'. Eas*Shop International Business De3it $ard. Eas*Shop 2omans "d!antage De3it $ard5. Eas*Shop N4 De3it $ardD. 'isan $ard

D=















eture3 7 ene"it35 Dail* -imitsA s. @>>> at "TMs for 2ithdrawal and s. :>>> at mer#hant esta3lishments for shopping

"##ess *our 3an, a##ount at o!er J8>>8>>> 5isa=Maestro=$irrus "TMs in India and a3road.> C petrol sur#harge at sele#t BP$- Petrol pumpsA "s a De3it $ard holder8 an* sur#harge le!ied on *our $ardat sele#t BP$- petrol pumps would 3e re!ersed in the su3se7uent month. $li#, here for more details.Shop at more than <8>8>>> outlets in India and @< million worldwide. The amount is de3ited dire#tl* to *oura##ount.Use *our #ard o!erseas. /our a##ount is de3ited in upees regardless of the #urren#* in whi#h *ou spend.Fero -ia3ilit* on fraudulent Point 4f Sale usage on lost or stolen #ards. $li#, here for more details.Now get an "lert on *our mo3ile phone or email for e!er* pur#hase transa#tion done using *our De3it $ard at amer#hant outlet GG "ll *ou need to do is register for Insta "lertsG2orldwide assistan#e from 5isa and Master$ard on *our #ard.

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eture3 7 ene"it35-

Di+y Li(it3A s. >8>>> at "TMs for 2ithdrawal and s. >8>>> at mer#hant esta3lishments for shopping.C3h !A or e!er* s. @>> that *ou will spend8 *ou will re#ei!e e. @ as #ash 3a#,. This #ash 3a#, is !alidon all pur#hases made through the #ard8 at all times of the *earGGG0 > petro+ 3ur!hrge t .etro+ pu(p3A "s a +old $ard holder8 an* petrol sur#harge le!ied on *our $ard atan* petrol pump in India will 3e re!ersed in the su3se7uent month.ero Libi+ity on "rudu+ent .oint o" 3+e u3ge on +o3t or 3to+en !rd3A If its not *our pur#hase *ou dontha!e to pa* for itGG /our De3it $ard is safer than e!erG

In #ase *ou lose *our De3it $ard8 #all us on our phone3an,ing num3ers or !isit the nearest 0D$ Ban,3ran#h. $li#, here for more details..' A+ert3A Now get an "lert on *our mo3ile phone or email for e!er* pur#hase transa#tion done using *ourDe3it $ard at a mer#hant outlet GG "ll *ou need to do is register for Insta "lertsGIn3urn!e !over A The following are in#luded in the insuran#e #o!ersA

Death $o!er 3* "ir = oad 1 Sum assured s. 8>>8>>>

ire 6 Burglar* for the items pur#hased under De3it $ard (upto ; months) 1 Sum assured s. >8>>>

-oss of Baggage Insuran#e 1 Sum assured s. :>8>>>

E6!+u3ive o""er3 t pre(iu( out+et3A Spe#ial 4ffers for our Eas*Shop +old De3it $ard #ustomers inasso#iation with 5isa and Master$ard will 3e pro!ided form time to time.

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eture3 7 ene"it35-

Cas: Back o@ Re- $ @or eer9 Rs- '// spent+ or e!er* s. :>> that *ou will spend 8 *ou will re#ei!e e. @ as#ash 3a#, .This #ash 3a#, is !alid on all pur#hases made through the #ard8 at all times of the *earGGGSpecialise> Serices+ " uni7ue ser!i#e num3er will 3e a!aila3le for 2omans De3it $ard #ustomers to a!ailinformation = 3oo,ing for the ser!i#es listed ahead. Rust #all8 7uote *our #ard num3er and use an* of theser!i#es. These ser!i#es are su3e#t to a!aila3ilit* and rendered on a 3est effort 3asis.Entertainment assistance +

O Dining eferral and eser!ation "ssistan#eO lower 6 +ift Deli!er*O Mo!ie Ti#,etsHome assistance+

O inan#ial Planning 6 "d!isor* Ser!i#es "ssistan#eO Ele#tri#al 6 Ele#troni# +adget epair "ssistan#eO Pest $ontrol "ssistan#eO 0ome $leaning "ssistan#eellness +

O Medi#al $he#, Up Pa#,agesO Nursing $are "rrangement./ >iscount on locker @ee+ /ou will 3e entitled to a >C dis#ount on lo#,er fee for the @st *ear. This wai!erwould 3e appli#a3le for onl* one lo#,er per #ard. In order to a!ail of the dis#ount8 please show *our2omans "d!antage De3it $ard at the 3ran#h.Special >iscount on purc:ase o@ )ol> Bars+ Preferential pri#ing will 3e gi!en to *ou on pur#hase of +old Bars.In order to a!ail of the spe#ial dis#ount8 pleas show *our 2omans "d!antage De3it $ard at the 3ran#h.

Insurance coer+ /ou will 3e entitled to Personal "##ident insuran#e #o!er of : la#s.7ero (ia!ilit9+ /ou will not ha!e an* lia3ilit* to an* fraudulent Point of Sale transa#tions on the de3it #ard8whi#h ta,e pla#e upto <> da*s prior to reporting the #ard loss.$li#, here for more details.Free BillPa9+ /ou will not 3e #harged for Bill Pa* Ser!i#e8 normall* #hargea3le at s. @>> p.a.ail9 (imits+ s. :>8>>> at "TMs for 2ithdrawal and s. <>8>>> at mer#hant esta3lis

@+ue Added 'ervi!e3

oreign E%#hange (4E) a#ilitiesA1

Are you planning to 0ravel a!road on &usinessM (r just taking an (verseas "olidayM or

Are you an Importer+xporterM

QQEe will help you ulill your every need.

Ee oer the ollowing $oreign +xchange Services

B2


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6ou can opt or the card you are interested inF

$orexplus #ollar %ard or $orexplus +uro %ard

$orexplus, a prepaid traveller9s card has acilities likeF

Accepted at over /' million -isa )erchants anywhere in the world

2 hour -ISA A0)s anywhere in the world.

Reloada!le anytime, anyplace

Availa!le in JS #ollar 3 +uro %urrencies

Personal Accident Insurance %overs o Rs 2 lacs

*oss o &aggage 3 Passport, reconstruction insurance cover.

Mutual Fun>s+1

)utual unds are unds that pool the money o several investors to !uy a variety o

securities. )utual $unds could !e +@uity unds or #e!t unds or a com!ination o the two.

B



customised insurance solutions to meet your lie and health risk protection, long term

savings and retirement planning needs with its range o products

HDC 'tndrd Li"e In3urn!e Co$ Ltd 5

0D$ Standard -ife Insuran#e $o. -td was in#orporated on @Hth "ugust :>>>. It was the first new

-ife Insuran#e #ompan* to 3e granted $ertifi#ate of egistration from ID" on :<rd 4#t :>>>.

0D$ is the main sta,e holder with [email protected] while Standard -ife owns @J.;C

.rodu!t3 ""ered 5

Sa!ings S#hemes A 2ith profits Endowment "ssuran#e = 2ith Profits Mone*3a#, plan

2hole -ife Plans

is, $o!ers A Term "ssuran#e = -oan Term "ssuran#e

etirement S#hemes A Personal Pension Plan

$hildren Plan

BD

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inn!i+ .+nning5-

0he $inancial Planning service is oered as an option to long term investors.0he portolio

is advised on in a passive investment style with the asset category as mutual unds. 0he

planner is suita!le or investors who wish to take a asset allocation !ased, long term

investment outlook, ignoring the short term volatalities o inancial markets. 0he style is

steady asset allocation !ased on a theory that long term investing over a long time rame

will help the client achieve stated goals

Financial Planning takes into account +

1. #esired asset allocation, risk proile and return expectations

2. &uilding cash lows correlating all expenses and income. Inlation and outlows

due to loans are considering in !uilding the inancial plan

3. $uture goals like retirement, housing and children9s education marriage or other

needs

BB



T:e client "oul> !e o@@ere> t:e @ollo"ing

• Financial Plan indicating the re@uired savings to meet the desired goals.

• Asset Allocation

Mont:l9 reports

+xperience the convenience and ease o eAge &anking channels. (ur eAge &anking

customers have easy access to all their accounts, anytime, anywhere. I you want uptothe

second inormation a!out your accounts, it9s possi!le with our stateothe art technology

which ew !anks can match. )ost o the eAge &anking channels are ree and they are

availa!le 2 hours a day, B days a week.

B=



S+R-I%+S ($ "#$% &A1F

/. I1S0A A*+R0S.

2. 1+0 &A1I1>.

'. )(&I*+ &A1I1>.

. P"(1+ &A1I1>.

5. &I** PA6.

D. )AR%"A10 S+R-I%+S.

B. 1+0 SA$+.

=. 1gpay.

:. PRAPAI# )(&I*+ R+$I*+.

B:



No8 you !n get regu+r updte3 on your bn !!ount on your (obi+e phone or e(i+ ID$

Rust register for our Insta"lert ser!i#e and re#ei!e updates on *our a##ount as and when the sele#ttransa#tion happens 1 all this without !isiting the 3ran#h or "TM

ou !n regi3ter "or ny or ++ o" the "o++o8ing +ert35-

De3it transa#tions greater than s. 8>>>= s.@>8 >>>= s. :>8>>>=s. >8>>>$redit in a##ount greater than s. 8>>>= s.@>8 >>>= s. :>8>>>=s. >8>>>

"##ount Balan#e 3elow s. 8>>>= s.@>8 >>>= s. :>8>>>=s. >8>>>12ee,l* a##ount 3alan#eSalar* $reditsUtilit* 3ill pa*ment due "lert

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NetBan,ing is 0D$ Ban,s Internet Ban,ing ser!i#e. Pro!iding up1to1the1se#ond a##ount information8NetBan,ing lets *ou manage *our a##ount from the #omfort of *our mouse 1 an*time8 an*where.

Intro>ucing a simpler "a9 to register @or NetBanking

Sa* good3*e to long 7ueues and paper wor,. Presenting one more reason to register for NetBan,ing. /ou #an

now #all the PhoneBan,ing num3ers in *our #it* to register for NetBan,ing.

eture3 7 ene"it35-

5iew "##ount Balan#es 6 StatementsTransfer unds 3etween a##ounts$reate i%ed Deposits 4nlinee7uest a Demand DraftPa* Bills4rder a $he7ue Boo,e7uest Stop Pa*ment on a $he7ue

"nd lots more

=/

http://openwindow%28%22/personal/access/popup_pbnumbers.htm%22,%22%22,%22width=640,height=450,scrollbars=yes%20,menubar=no,location=no,left=0,top=0%22)

http://openwindow%28%22/personal/access/popup_pbnumbers.htm%22,%22%22,%22width=640,height=450,scrollbars=yes%20,menubar=no,location=no,left=0,top=0%22)



our #obi+e i3 no8 your bnF No8 !!e33 your bn !!ount nd !ondu!t ho3t o"

bning trn3!tion3 nd in=uirie3 through your (obi+e, 8ith our uni=ue #obi+ening

3ervi!e$

eture3 7 ene"it35-+et *our 3alan#e details43tain *our last < transa#tion detailse7uest a #he7ue 3oo,

Stop a #he7ue pa*mentEn7uire #he7ue statuse7uest an a##ount statement+et i%ed Deposit detailse7uest for Internet PIN re1generationPa* *our 3ills

=2



eture3 7 ene"it35-Che! your !!ount b+n!e - +et up1to1the1se#ond details of *our Sa!ings or $urrent "##ounts and *ouri%ed Deposits. /ou #an also get the details of the last transa#tions on *our a##ount8 or ha!e a ministatement of last transa#tions fa%ed a#ross to *ou.En=uire on the !he=ue 3ttu3 - /ou #an use PhoneBan,ing to #he#, on the status of #he7ues issued ordeposited from an*where in India.rder Che=ue oo G A!!ount 'tte(ent - Rust #all PhoneBan,ing and get *our $he7ue Boo, or latest

"##ount Statement deli!ered at *our doorstep.'top .y(ent - Stop pa*ment of a single #he7ue or a series of #he7ues8 :H hours a da*.Lon *e+ted =uerie3 - +et details of the outstanding loan amount8 en7uire a3out *our loan a##ount8 re7uestfor an interest #ertifi#ate and repa*ment s#hedule8 et#. Rust #all PhoneBan,ing in *our #it* and dial H to spea,to our PhoneBan,er pen i6ed depo3it or En=uire on your i6ed depo3it3 G TD'B - Tal, to our PhoneBan,er to easil* opena i%ed Deposit o!er the phone8 3* simpl* authorising a transfer of funds from *our Sa!ings "##ount.Trn3"er und3 bet8een !!ount3B - /ou #an also transfer mone* from one of *our a##ounts to another.Both a##ounts must 3e lin,ed to *our $ustomer ID. /ou #an transfer amounts upto s @ -a# in a single da*..y your bi++3 - .y your !e++u+r, te+ephone, e+e!tri!ity nd HDC n Credit Crd bi++3 through.honening u3ing i++.y, !o(prehen3ive bi++ py(ent3 3o+ution$ 'now more a3out BillPa*.*eport +o33 o" your AT# G Debit Crd G ore6.+u3 Crd - I" your AT# G Debit G ore6.+u3 Crd i3 +o3t, !++ny .honening nu(ber to de!tivte your !rd934$Lern bout ++ our other produ!t3 - &et deti+3 on HDC n produ!t3 7 3ervi!e3 by t+ing to our.hone ner$

En=uire bout +te3t Intere3t G E6!hnge rte3 - &et +te3t Intere3t rte3 on Depo3it3 nd oreignE6!hnge rte3 by t+ing to our .hone ner$*e=ue3t De(nd Dr"t G #nger;3 Che=ue BB - C++ .honening nd get De(nd Dr"t G#nger;3 Che=ue de+ivered to your door3tep$De(t *e+ted uerie3 - &et the A!!ount ho+ding deti+3, Trn3!tion deti+3, I'IN Nu(ber o" 3!rip,'ttu3 o" Depo3itory '+ip3, deti+3 o" C+ient #3ter +i3t 9Dividend !!ount, Chrge3 Debit !!ount, .ANet!$4 7 other3$C++ .honening in your !ity 7 di+ < to

Now8 *ou ha!e the lu%ur* of pa*ing *our telephone8 ele#tri#it* and mo3ile phone 3ills at *our #on!enien#e

through the Internet8 "TMs8 *our mo3ile phone or telephone 1 using BillPa*8 a #omprehensi!e 3ill pa*ments

solution.2hats more *ou #an #he#, the 3ill amount 3efore *ou ma,e an* pa*ments ensuring *ou alwa*s pa*

the right amount. BillPa* has made all *our 3ill pa*ments eas*.

%ey ene"it35-

Conenience at its !est 1 No 7ueuing up at #olle#tion #entres or writing #he7ues an* moreGA ariet9 o@ pa9ment mo>es aaila!le 1 "TMs8 NetBan,ing8 Mo3ileBan,ing and PhoneBan,ing

='

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http://www.hdfcbank.com/personal/payments/billpay.htm



Pa*ments #an 3e made right up to the due date.$he#, *our 3ill amount 3efore *ou ma,e an* pa*ments 1 ensuring *ou pa* the e%a#t amount *ou wish to.

or Mer#hants8 the world o!er8 a##epting pa*ments through #ards 3oth de3it and #redit8 is an eas* and #ost

effe#ti!e wa* to enhan#e 3usiness8 in#rease re!enue8 and impro!e effi#ien#*.

"s an a#7uirer8 0D$ Ban, ma,es a##epting #redit and de3it #ards eas*. 4ur !alued mer#hant

esta3lishments #an now a##ept all #redit and de3it #ards issued under the 5isa8 5isa Ele#tron8 Master$ard

and Maestro 3rands. 4ur ser!i#e is 3a#,ed 3* superior te#hnolog* infrastru#ture and personalised support

from a designated relationship offi#er.

2e offer #ard a##eptan#e solutions 3oth on ED$ ma#hine and on the Internet through our Pa*ment +atewa*

produ#t.

%ey ene"it35-

edu#e transa#tion time0a!e freedom of a##epting e%a#t amounts1 e.g. an amount of @:.; #an 3e easil* a##epted on #ard 3ut is7uite in#on!enient to a##ept in #ash.edu#e manual errors in #ash #ounting and #olle#tion.In#rease #ustomer retention 3* offering #ustomers standing instru#tions pa*ment options on their #ards to

=



ma,e re#urring pa*ments. $ustomers do not need to #ome to *our 3illing #enter e!er* month for ma,ingre#urring pa*ments4ptions of a##epting pa*ments on regular ED$ (Ele#troni# Data $apture) Terminals8 through *our E$(Ele#troni# $ash egisters) or through the we3site.

NetSafe8 is a uni7ue online pa*ment solution that offers *ou #omplete se#urit* while shopping on the Internet.

2ith NetSafe8 *ou #an now shop online through a !irtual #redit #ard8 "it:out reealing 9our actual HFC Bank

Cre>it Car> num!er. 2hats more8 *ou #an now use *our 0D$ Ban, De3it $ard also for online pur#hases.

%ey ene"it35-

/our 0D$ Ban, #redit = de3it #ard num3er is ne!er used on the mer#hant we3site.The NetSafe #ard *ou #reate is a one time use #ard./ou #an set *our own limit for the NetSafe #ards *ou generate./ou #an use it on an* mer#hant we3site that a##epts Master $ard = 5IS" pa*ment #ards.It ensures a #ompletel* safe and se#ure online shopping e%perien#e.

"ll pur#hases *ou ma,e with NetSafe $ards will appear on *our statement8 ust li,e an* other transa#tion.

=5



%ey ene"it35-

It is our endea!our to simplif* the world of 3an,ing for *ou. /ou #an now re7uest #he7ue 3oo,s8 stop #he7ues8re7uest Demand Drafts8 a##ess "##ount statements and more from where!er *ou are 1 with ngpa* 1 are!olutionar* appli#ation that allows *ou to transa#t on *our mo3ile phone as easil* as *ou #an on ourwe3site.Then again8 theres more to ngpa* than ust Mo3ileBan,ingG gpa* offers a range of ser!i#es from its networ,of partners. In a simple8 #onsolidated menu8 *ou #an dis#o!er and #hoose mer#hants or ser!i#e pro!iders withwhom *ou want to transa#t.

Banking "it: HFC Bank+ ull suite of Mo!ileBanking and Pa9ment Serices in#luding Fun> Trans@er fa#ilit*./ou #an transfer funds to an* HFC Bank Account or an* 2isa Car> (De3it or $redit) within India usingngpa*.Entertainment at Fame CinemasD INO5 Cinemas+ Sear#h for shows8 sele#t = !iew seats and pa* for ti#,etsTrael t:roug: IRCTCD eccanD Make1M91TripD *atraD re>Bus+ Sear#h for options8 pri#e trips and 3oo,ti#,ets.S:opping @rom Ferns N PetalsD Arc:iesD FutureBaGaar+ Sear#h8 3u* and ship produ#ts to an*one8 an*wherein India.Telecom Serices "it: BP( Mo!ile+ Manage *our a##ounts8 top1up the prepaid 3alan#e and pa* *ourmonthl* postpaid 3ills.

=D



Ho" muc: >oes it cost L

0his service is a!solutely ree rom "#$% &ankO 6ou only have to pay the regular S)S

charge or your S)S re@uest.

Where !n I !!e33 thi3 3ervi!e :

pertor N(e Cir!+e "irtel Mum3ai4range Mum3ai

.repid re"i++ through AT# 5

Its a#tuall* !er* eas* to refill *our prepaid #ard. /ou ust need to wal, into an "TM.

1. Sele#t Prepaid efill=Bill Pa*

2. Then sele#t Pre1paid efill

3. Enter the @> digit mo3ile num3er and #onfirm

4. ill the amount *ou want *our #ard to 3e re1filled for

2ithin se#onds *ou will get an SMS #onfirming the refill for the as,ed amountG

Ho8 (u!h doe3 it !o3t :

This ser!i#e is a3solutel* free from 0D$ Ban,G /ou onl* ha!e to go to the "TM and use *our #ard.

Its a ser!i#e that has 3een introdu#ed for the first time in India8 ust to ma,e *our world easier.

==



$I1#I1>SF

Mar-05 HDFC

Bank ICICIBank

Branches 467 565

ATMs 1,147 2,000

Cities 211 371

Retail assets (Rscrore)

18,000 56,000

Deosits (Rs crore) 38,000 !!,800

Car loans (Rs crore) 2,500 11,500

Cre"it car"s (Mn) 1#3 3

Retail c$sto%ers (Mn) 6#4 13#7

Cost o& "eosits (') 3#2 4#5

et interest %arin(') 3#2 2#4

et *+s (') 0#2 2

@.E!en in the num3er of #ustomers I$I$I Ban, leads 3* a distan#e 9'ee tb+e5 'hre o" the 8++et). Nearl*@H million #ustomers 3an, with I$I$I Ban,8 while the num3er for 0D$ Ban, is less than half (;.H million).

:.I$I$I Ban, has issued < million #redit #ards 11 that is more than twi#e the num3er of 0D$ Ban,s #redit#ard users. 0owe!er8 industr* o3ser!ers point out that I$I$I Ban,s effe#ti!e users for #redit #ards ma* not 3ehigh.

=:



<.Nonetheless8 the* #on#ede that e!en with a dis#ounted #ustomer 3ase8 the num3ers will still 3e strong.E!en in 3usinesses li,e online trading where the ris,s are relati!el* low8 I$I$I Ban, #ommands a two1thirdsmar,etshare.

H.0D$ B"N' ha!e to laun#h new produ#t 6 te#hnolog* to impro!e their ser!i#es.

. . 0he 1on Perorming Assets 71PA8 o "#$% !ank ltd is <.=? which is very low as compared

to other !anks.

D. More !ranc:es should !e set up in the cities which are not covered till now.

B. Atm 3 !ranc:es o@ HFC BAN, are less as compare> to ICICI BAN,-

8-elop proper >istri!ution net"ork to increase t:eir sale-

SUGGESTIONS AND RECOMMENDATIONS

• More !ranc:es should !e set up in the cities which are not covered till now so as

to make the !ank easily accessi!le to more people, like S&I.

• )ore secure an> sa@e transactions through A0)s to avoid raud.

• Customer care services should !e improved as there are lots o complaints o

holding the line or long durations and not getting response.

• Complaints o customers should !e heard and sorted out @uickly.

• Internet !anking should !e made saer to avoid raudulent transactions.

• A sae and relia!le system or Mo!ile Banking should !e implemented.

:<



:/



CONCLUSION

/. "#$% &ank oers a wide range o products which are lexi!le depending on the need

o the individuals.

2. It is the only private !ank out o so many private !anks to oer such a wide range o

products and services.

'. "dc !ank has extensive !ranch network with 5 !ranches in 2<2 cities and over //<<

A0)s across the country. It has D !ranches and /2< A0)s in #elhi 1%R which is highest

as compared to any other private !ank in the industry.

. 0he 1on Perorming Assets 71PA8 o "#$% !ank ltd is <.=? which is very low as

compared to other !anks.

5. 0he acilities oered !y hdc to customers are o value and saves times.the concept o e

!anking is also very good and there is no need or customers to walkin to the !ank , they

can get the work done through the internet, phone !anking, mo!ile !anking with so many

acilities at customers desk.

D.It has made the lie much easier and aster. 1o dou!t hdc is the !est private !ank in the

industry.

:2



&I&*I(>RAP"6

•www.hdc.com

• www.hdc!ank.com

• "#$% &ank

http://www.hdfc.com/

http://www.hdfcbank.com/

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http://www.hdfcbank.com/

analysis of product & services of hdfc bank ltd

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